A cashier’s check is a check where payment is drawn from a bank’s own funds rather than the funds of a personal account. This type of payment is sometimes preferred or necessary for large transactions, such as a down payment for a home or purchase of a vehicle, because the bank guarantees the funds. These checks are only available from banks or credit unions.
Where can someone get a cashier’s check without a bank account? While many banks and credit unions are happy to provide these checks to their customers, most will not do it unless you have an account with them. Fortunately, some smaller banks and credit unions will provide people with the service, for a fee, even if someone does not have an account with them. The easiest way to find a bank or credit union willing to help is to call around and simply ask if they will do it and what fees they charge.
After finding a location that will provide cashier’s checks, you will need to take the cash, along with whatever fees are required, to the bank or credit union. Common fees range from $3 – $10. Expect to pay more if you do not have a bank account with the financial institution.
When getting the check, you will need a government issued photo ID as well as the recipient’s name and amount of the check. You can also add a memo to the check at this point if it is desired. It will also need to be signed by the teller or a bank official to be valid.
If you are unable to find a bank or credit union in your area that is willing to issue a cashier’s check to a non-customer, there are a couple alternatives to try.
Money orders are also considered a safe form of payment because they have to be purchased with cash and are guaranteed to clear. You can check with the recipient to see if they are willing to accept a money order rather than a cashier’s check. This may prove more difficult for larger purchases because money orders are limited to $1000, but may be preferred due to the smaller fee of $2.00 or less. Money orders can be purchased from the U.S. Post Office, check cashing locations, some gas stations, and stores such as Walmart.
Open a Bank Account
If you are unable to find a willing bank or credit union to sell a cashier’s check to non-customers, and the recipient is unwilling to accept a money order, you could open a bank account. This will be a more time consuming option and will require more documentation to establish your identity. Typically, banks will require 2 government issued photo IDs as well as something recent to prove your address – such as a utility bill or rental agreement. After opening an account, you will be able to deposit the cash needed for the cashier’s check and have the bank take care of their new customer’s needs.